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United India Insurance vs Universal Sompo General Insurance: IRDAI Data Comparison

General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison

MetricUnited India InsuranceUniversal Sompo General InsurancePeriod
profit before tax(size)-809 ₹ crore55 ₹ croreQ1 FY26-27
government securities(size)1624959 INR_lakhs263751 INR_lakhsQ1 FY26-27
health segment premium(size)206119 ₹ lakh34439 ₹ lakhQ1 FY26-27
mutual funds(size)145809 INR_lakhs207 INR_lakhsQ1 FY26-27 / Q2 FY25-26
gross direct premium to net worth ratio(size)-80.00 ×93.00 ×Q1 FY26-27
Point of Sales Person (Direct) premium(size)5345 ₹ lakh20072 ₹ lakhQ1 FY26-27
Brokers premium(size)226344 ₹ lakh108870 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)0 ₹ lakh2057 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)50625 count22034 countQ1 FY26-27
travel segment premium(size)116 ₹ lakh478 ₹ lakhQ1 FY26-27
personal accident segment premium(size)7681 ₹ lakh6636 ₹ lakhQ1 FY26-27
other investments(size)73696 INR_lakhs21552 INR_lakhsQ1 FY26-27
Brokers policies(size)1143981 count853611 countQ1 FY26-27
Corporate Agents – Banks policies(size)34735 count129053 countQ1 FY26-27
equity & preference shares(size)805380 INR_lakhs42415 INR_lakhsQ1 FY26-27
debentures & bonds(size)233920 INR_lakhs167084 INR_lakhsQ1 FY26-27
central govt. securities(size)23.1 %25.0 %Q1 FY26-27
Direct Business – Others policies(size)87890 count1494 countQ1 FY26-27
liability segment premium(size)8837 ₹ lakh867 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.0 %4.2 %Q1 FY26-27
motor TP segment premium(size)187028 ₹ lakh61853 ₹ lakhQ1 FY26-27
expense ratio35.5 %24.0 %Q1 FY26-27
fire segment premium(size)61685 ₹ lakh9563 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh634 ₹ lakhQ1 FY26-27
combined ratio139.1 %104.3 %Q1 FY26-27
Insurance Marketing Firm policies(size)7461 count4758 countQ1 FY26-27
workmen's compensation segment premium(size)1922 ₹ lakh87 ₹ lakhQ1 FY26-27
operating profit ratio-17.3 %4.6 %Q1 FY26-27
marine cargo segment premium(size)6765 ₹ lakh2242 ₹ lakhQ1 FY26-27
housing & infrastructure(size)19.6 %29.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)1 count22916 countQ1 FY26-27
engineering segment premium(size)12861 ₹ lakh664 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)980 ₹ lakh11348 ₹ lakhQ1 FY26-27
gross yield (quarterly)8.97 %7.16 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)87834 count146450 countQ1 FY26-27
Web Aggregators premium(size)18079 ₹ lakh919 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1598 ₹ lakh2597 ₹ lakhQ1 FY26-27
net commission ratio(size)18.3 %10.4 %Q1 FY26-27
net yield (quarterly)5.92 %5.36 %Q1 FY26-27
Web Aggregators policies(size)722317 count760 countQ1 FY26-27
gross direct premium growth rate(size)-27.0 %33.5 %Q1 FY26-27
infrastructure & housing(size)763969 INR_lakhs197661 INR_lakhsQ1 FY26-27
investment income ratio8.9 %1.8 %Q1 FY26-27
underwriting balance ratio-34.6 %-8.0 %Q1 FY26-27
profit after tax(size)-809 ₹ crore41 ₹ croreQ1 FY26-27
marine hull segment premium(size)5184 ₹ lakh7138 ₹ lakhQ1 FY26-27
Individual Agents policies(size)2597447 count46866 countQ1 FY26-27
net worth growth rate(size)0.0 %12.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)600 ₹ lakh507 ₹ lakhQ1 FY26-27
solvency ratio-1.49 ×1.97 ×Q1 FY26-27 / Q4 FY24-25
incurred claims ratio103.6 %80.3 %Q1 FY26-27
expense ratio to gross premium27.3 %28.7 %Q1 FY26-27
govt + approved securities(size)49.1 %37.0 %Q1 FY26-27
net retention ratio(size)71.9 %52.1 %Q1 FY26-27
other approved securities(size)0 INR_lakhs6634 INR_lakhsQ1 FY26-27
Individual Agents premium(size)186927 ₹ lakh7540 ₹ lakhQ1 FY26-27
Direct Business – Others premium(size)104025 ₹ lakh22576 ₹ lakhQ1 FY26-27
motor OD segment premium(size)47468 ₹ lakh44195 ₹ lakhQ1 FY26-27
liability incurred claims ratio42.2 %-2.9 %Q4 FY25-26 / Q1 FY26-27
earnings per share(size)-12.39 ₹1.52 ₹Q4 FY25-26
aviation combined ratio2328.7 %0.0 %Q4 FY25-26 / Q1 FY26-27
crop combined ratio83.2 %148.0 %Q4 FY25-26 / Q1 FY26-27
personal accident incurred claims ratio116.6 %74.3 %Q4 FY25-26 / Q1 FY26-27
workmen's compensation combined ratio64.8 %96.4 %Q4 FY25-26 / Q1 FY26-27
personal accident combined ratio151.3 %89.3 %Q4 FY25-26 / Q1 FY26-27
marine hull incurred claims ratio21.2 %22.2 %Q4 FY25-26 / Q1 FY26-27
aviation incurred claims ratio1790.1 %0.0 %Q4 FY25-26 / Q1 FY26-27
marine cargo combined ratio108.4 %143.2 %Q4 FY25-26 / Q1 FY26-27
liability combined ratio96.5 %26.4 %Q4 FY25-26 / Q1 FY26-27
motor od incurred claims ratio98.5 %102.0 %Q4 FY25-26 / Q1 FY26-27
engineering incurred claims ratio43.4 %26.0 %Q4 FY25-26 / Q1 FY26-27
book value per share(size)-15.98 ₹50.20 ₹Q4 FY25-26
engineering combined ratio97.9 %73.3 %Q4 FY25-26 / Q1 FY26-27
motor tp incurred claims ratio105.4 %65.8 %Q4 FY25-26 / Q1 FY26-27
net earning ratio-15.3 %5.8 %Q4 FY25-26
motor od combined ratio143.8 %149.2 %Q4 FY25-26 / Q1 FY26-27
marine cargo incurred claims ratio68.7 %113.6 %Q4 FY25-26 / Q1 FY26-27
health combined ratio132.0 %87.1 %Q4 FY25-26 / Q1 FY26-27
fire incurred claims ratio107.6 %-241.8 %Q4 FY25-26 / Q1 FY26-27
fire combined ratio176.5 %-286.4 %Q4 FY25-26 / Q1 FY26-27
marine hull combined ratio70.3 %-881.7 %Q4 FY25-26 / Q1 FY26-27
health incurred claims ratio103.9 %71.0 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio157.7 %77.5 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)6.83 %6.00 %FY25-26 / Q4 FY25-26
workmen's compensation incurred claims ratio19.1 %68.5 %Q4 FY25-26 / Q1 FY26-27
crop incurred claims ratio63.6 %83.5 %Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)10.35 %8.00 %FY25-26 / Q4 FY25-26
claims repudiation ratio3.96 %1.76 %FY24-25
claim settlement ratio84.9 %91.3 %FY24-25
gross written premium(size)20072 ₹ crore5078 ₹ croreFY25-03

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

United India Insurance
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Universal Sompo General Insurance
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